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Employers who carry worker’s compensation insurance follow a no-fault program. What this means is that neither the employer nor the employee are identified as the guilty party who caused the incident. Although this can save a worker some time during the injury claim process, it doesn’t exactly mean they are going to receive what it is they are entitled to. While some states prohibit a worker from filing a lawsuit against their employer who provide them with adequate insurance coverage, sometimes there is still room for an injured employee to receive more.
If you incurred an injury while at work, for instance, let’s say a machine malfunctioned and caused you serious scarring and permanent damage, you might have reason to file a personal injury lawsuit. The only difference between how you file is that you wouldn’t be holding your employer accountable for your damages. If they supplied you with what you need, your next move would be to hold a manufacturer or maybe even the designer accountable for the malfunctioning machine, product, etc. The same would apply to any other defective item that was linked to your injury.
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